What does an HMO plan typically require regarding healthcare providers?

An HMO (Health Maintenance Organization) plan typically requires members to use network providers for their healthcare services. This network consists of a group of doctors, hospitals, and other healthcare providers that have agreed to provide services at reduced rates for the members of the HMO. By using network providers, members benefit from lower out-of-pocket costs and more coordinated care, as these providers communicate and collaborate to manage the member's health.

When members seek care outside of this network, they often face higher costs or may not be covered at all, which incentivizes them to stick to the designated network. This structure helps HMOs manage healthcare costs effectively and ensures that members receive care that is aligned with the plan’s guidelines and networks.

In contrast, allowing members to choose any provider or switch providers freely would undermine the cost control and care coordination benefits HMOs are designed to offer. The limitations on seeing specialists without referral are also characteristic of HMO plans, but the primary requirement centers around the use of network providers.